TellerScore

Headquartered in Merrimack, New Hampshire, Fidelity Personal Trust Company, FSB is a savings bank with $74.6M in total assets and $500K in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 2000.

Based on its Q2 2026 filing, Fidelity Personal Trust Company, FSB scores 93/100, which we describe as very strong. That is higher than 94% of 546 banks with under $100 million in assets. Among 17 banks headquartered in New Hampshire, it ranks 1st. Its strongest component is capital cushion (100/100; 101.53%), and its lowest is funding & liquidity (54/100; 0% loans-to-deposits, 57% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 101.53%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 33.31%
Funding & liquidity54/100
Loans ÷ deposits and uninsured-deposit share: 0.0% · 56.6% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (94 → 93).

TellerScore
939494Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202494
Q3 202494
Q4 202494
Q1 202594
Q2 202594
Q3 202594
Q4 202593
Q1 202693
Q2 202693
Tier 1 leverage ratio
5.00%53.27%101.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 2024100.50%
Q3 2024100.58%
Q4 202471.82%
Q1 2025100.34%
Q2 2025100.76%
Q3 2025100.66%
Q4 202579.86%
Q1 2026100.30%
Q2 2026101.53%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
18.83%26.07%33.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 202418.83%
Q3 202421.53%
Q4 202420.29%
Q1 202528.84%
Q2 202528.49%
Q3 202528.63%
Q4 202527.95%
Q1 202632.49%
Q2 202633.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$74.6M101.53%0.00%33.31%0.0%
Q1 202693$67.9M100.30%0.00%32.49%0.0%
Q4 202593$64.4M79.86%0.00%27.95%0.0%
Q3 202594$78.2M100.66%0.00%28.63%0.0%
Q2 202594$72.6M100.76%0.00%28.49%0.0%
Q1 202594$67.1M100.34%0.00%28.84%0.0%
Q4 202494$63.3M71.82%0.00%20.29%0.0%
Q3 202494$90.5M100.58%0.00%21.53%0.0%
Q2 202494$84.4M100.50%0.00%18.83%0.0%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio101.53%
99th
Total risk-based capital0.00%
27th
Problem loans0.00%
84th
Net charge-offs0.00%
58th
Return on assets33.31%
100th
Net interest margin3.81%
48th
Efficiency ratio36.9%
98th
Loans to deposits0.0%
98th
Uninsured deposits56.6%
2nd
Loan-loss reserves0.00%
2nd
Texas ratio0.0%
85th

Deposit insurance

Is my money safe at Fidelity Personal Trust Company, FSB?

Yes. Fidelity Personal Trust Company, FSB is an FDIC-insured institution (FDIC certificate #35206). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 56.6% of deposits ($283K) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 101.53%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Fidelity Personal Trust Company, FSB lists 1 office in 1 city. Most locations:

  • Merrimack, NH (1)

All branch addresses and map

Identity & history

Profile

Legal name
Fidelity Personal Trust Company, FSB
Type
Savings bank
FDIC certificate #
35206
RSSD ID
2914268
Primary regulator
OCC
Established
May 15, 2000
Headquarters
2 Contra Way, Merrimack, NH 03054
Employees
54

Quick answers

Fidelity Personal Trust Company, FSB: common questions

Is Fidelity Personal Trust Company, FSB FDIC insured?

Yes. Fidelity Personal Trust Company, FSB is an FDIC-insured institution (FDIC certificate #35206). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Fidelity Personal Trust Company, FSB's TellerScore?

93 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Fidelity Personal Trust Company, FSB ever failed?

There is no failure record for FDIC certificate #35206 in the FDIC failed bank list.

How many branches does Fidelity Personal Trust Company, FSB have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Merrimack

InstitutionScoreAssetsCapitalProblem loansCompare
New Hampshire Postal Credit UnionCredit union Manchester, NH100 out of 100, Very strong$68.5M22.6%0.03%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Billerica Municipal Employees Credit UnionCredit union Billerica, MA91 out of 100, Very strong$23.6M17.8%0.00%vs
The Andovers Federal Credit UnionCredit union Andover, MA81 out of 100, Strong$36.9M13.2%0.67%vs
Leominster Employees Federal Credit UnionCredit union Leominster, MA80 out of 100, Strong$30.0M11.2%0.01%vs
Middlesex Savings BankBank Natick, MA79 out of 100, Strong$6.1B13.4%0.33%vs